Princeton Bancorp
A New Jersey community bank concentrated in commercial real estate and multi-family lending toward New York.
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Profile
Runs a single community-banking segment through The Bank of Princeton, concentrated in commercial real estate and multi-family lending across the Princeton-to-New York City corridor, with the heaviest real estate exposure in New York ahead of New Jersey and Pennsylvania. Growth combines organic lending with tuck-in acquisitions of neighboring New Jersey banks.
A single reportable segment, Community Banking Operations, runs through The Bank of Princeton, a New Jersey state-chartered commercial bank focused on commercial real estate and multi-family lending, which together account for roughly three-quarters of loans outstanding; construction, commercial and industrial credit, residential mortgages, and home equity lines fill out the rest.
Commercial real estate exposure is heaviest in New York, ahead of New Jersey and Pennsylvania, reflecting an active New York City lending platform layered onto a central New Jersey retail base. Deposits are gathered locally across a branch network spanning New Jersey, the Philadelphia area, and the New York City metro.
Growth has paired organic loan and deposit gains with tuck-in acquisitions of neighboring New Jersey community banks in 2023 and 2024, and the bank answers to the New Jersey Department of Banking and Insurance and the FDIC.
Company facts
Categories
Key statistics
Year to date +25.4% · Average volume (30d) 24.7K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating |
|---|---|---|---|---|
| Feb 4, 2025 | Janney Montgomery Scott | Upgrade | Neutral | Buy |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.88 | $1.04 | +17.6% | $21.8M | $22.5M | +2.9% | +7.58% |
| Apr 23, 2026Q1 FY26 | $0.85 | $0.91 | +7.1% | $21.1M | $21.3M | +1.2% | −0.68% |
| Jan 29, 2026Q4 FY25 | $0.94 | $0.90 | −4.3% | $22.2M | $20.7M | −6.6% | −1.76% |
| Oct 29, 2025Q3 FY25 | $0.94 | $0.95 | +1.1% | $20.3M | $21.5M | +5.9% | +1.86% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $35.5M | $35.0M | $34.7M | $33.9M | $33.5M | $34.1M | |
| Gross profit | $20.7M | $14.1M | $22.2M | $20.6M | $21.5M | $22.8M | |
| Operating income | $6.9M | $596.0K | $8.3M | $7.9M | $8.1M | $9.2M | |
| Net income | $5.4M | $688.0K | $6.5M | $6.1M | $6.2M | $7.1M | |
| Diluted EPS | $0.77 | $0.10 | $0.95 | $0.90 | $0.91 | $1.04 | |
| Gross margin | 58.3% | 40.3% | 64.1% | 61.0% | 64.0% | 67.0% | |
| Operating margin | 19.4% | 1.7% | 23.9% | 23.4% | 24.0% | 26.9% |
Fiscal years (4-quarter sums)FY21 $73.9M · FY22 $78.8M · FY23 $105.6M · FY24 $131.1M · FY25 $139.0M
Balance sheet, Jun 30, 2026Cash & short-term investments $327.8M · Total debt $20.5M · Total assets $2.25B · Shareholders' equity $279.9M
Dividends
Raised for 6 straight years — most recently to $0.35 from $0.30 in Nov 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 5, 2026 | Aug 5 | Aug 28 | $0.35 | |
| May 5, 2026 | May 5 | May 28 | $0.35 | |
| Feb 4, 2026 | Feb 4 | Feb 27 | $0.35 | |
| Nov 7, 2025 | Nov 7 | Nov 26 | $0.35 | raised from $0.30 |
| Aug 6, 2025 | Aug 6 | Aug 29 | $0.30 | |
| May 6, 2025 | May 6 | May 29 | $0.30 | |
| Feb 5, 2025 | Feb 5 | Feb 28 | $0.30 | |
| Nov 5, 2024 | Nov 5 | Nov 28 | $0.30 |
Ownership
Shares outstanding 6.81M · Float 5.00M · 73.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| AllianceBernstein L.P. | 560.5K | 8.23% | 13F | May 15, 2026 |
| BlackRock, Inc. | 374.8K | 5.50% | 13G | Jul 29, 2026 |
| Vanguard Capital Management LLC | 251.3K | 3.69% | 13F | May 15, 2026 |
| Systematic Financial Management LP | 238.9K | 3.51% | 13F | May 13, 2026 |
| Dimensional Fund Advisors LP | 160.4K | 2.35% | 13F | May 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 12, 2026 | Martin Tuchman | director, 10 percent owner: | +10,534 | $42.98 |
| Aug 6, 2026 | Matthew T. Clark | officer: Chief Information Officer | −1,428 | $41.95 |
| May 28, 2026 | Matthew T. Clark | officer: Chief Information Officer | +71 | $36.20 |
| Jul 31, 2026 | Stephen Distler | director | −8,776 | $41.48 |
| Jun 10, 2026 | Stephanie Adkins | officer: Chief Lending Officer | −1,600 | $35.04 |
Peers
- ConnectOne Bancorp
Larger NJ/NYC-metro bank competing head-to-head in CRE lending.
- Provident Financial Services
Largest NJ community bank, direct overlap in CRE and deposits.
- Columbia Financial
Growing NJ regional bank expanding into NYC multifamily CRE.
- Dime Commercial Bancshares
NYC multifamily-focused lender competing in the same boroughs.
- Peapack-Gladstone Financial
NJ private bank with a Princeton office and CRE/multifamily book.
- Metropolitan Bank
NYC private/commercial bank competing for the same CRE clients.
- Kearny Financial
NJ/NY community bank with near-identical CRE geographic mix.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Princeton Bancorp | $42.25 | −0.24% | $287.8M | 11.1 | 11.2 | 2.1 | +6.7% |
| ConnectOne Bancorp | $31.73 | 0.00% | $1.60B | 9.9 | 9.1 | 2.6 | +46.0% |
| Provident Financial Services | $23.71 | +0.91% | $3.06B | 9.8 | 9.4 | 2.2 | +9.7% |
| Columbia Financial | $11.59 | +0.35% | $2.58B | 44.4 | 31.1 | 5.1 | +15.5% |
| Dime Commercial Bancshares | $40.47 | −0.02% | $1.79B | 14.6 | 10.7 | 2.4 | +17.1% |
| Peapack-Gladstone Financial | $45.11 | −0.09% | $799.3M | 15.7 | 10.9 | 1.7 | +25.4% |
| Metropolitan Bank | $91.79 | −0.20% | $1.14B | 11.6 | 9.0 | 2.7 | +22.0% |
| Kearny Financial | $9.82 | 0.00% | $618.0M | 17.2 | 12.3 | 1.8 | +11.9% |
| Median | 14.6 | 10.7 | 2.4 | +17.1% |